My husband and I are approaching an exchange on a house in East and West Horsley and my mum and dad have sent the ten percent deposit to my solicitor. I am now informed that as the deposit has been received from someone other than me my lawyer needs to disclose this to my mortgage company. I am advised that, in also acting for the mortgage company he must advise them that the balance of the purchase price is not just from me. I advised the lender regarding my parents' contribution when I applied for the home loan, so is it really necessary for this now to be an issue?

The conveyancing practitioner is duty bound to check with mortgage company to make sure that they know that the balance of the purchase price is not from your own funds. The solicitor can only reveal this to your lender if you agree, failing which, your lawyer must cease to continue acting.

Are the East and West Horsley conveyancing solicitors identified as being on the Santander conveyancing panel, together with their details provided by Santander?

East and West Horsley conveyancing firms themselves provide us confirmation that they are on the Santander conveyancing panel as opposed to being supplied with a list from Santander directly.

The deeds to our property are lost. The lawyers who conducted the conveyancing in East and West Horsley 4 years ago are no longer around. What are my next steps?

You no longer need to hold title original deeds to establish that you are the owner of your registered land or premises, given that the Land Registry hold details of all registered land or property electronically.

Helen (my wife) and I may need to let out our East and West Horsley garden flat for a while due to taking a sabbatical. We used a East and West Horsley conveyancing practice in 2001 but they have closed and we did not think at the time get any advice as to whether the lease prohibits the subletting of the flat. How do we find out?

Some leases for properties in East and West Horsley do contain a provision to say that subletting is only permitted with prior consent from the landlord. The landlord is not entitled to unreasonably refuse but, in such cases, they would need to see references. Experience dictates that problems are usually caused by unsatisfactory tenants rather than owner-occupiers and for that reason you can expect the freeholder to take up the references and consider them carefully before granting consent.

East and West Horsley Leasehold Conveyancing - Examples of Questions you should ask Prior to buying

You should be aware that where the lease has fewer than eighty years it will have adverse implications on the salability of the flat. Check with your lender that they are happy with residual term of the lease. A short lease means that you will most likely have to extend the lease sooner rather than later and you need to have some idea of how much this would cost. Remember, in most cases you would be required to have owned the premises for 24 months in order to be entitled to carry out a lease extension. Does the lease contain onerous restrictions? The best form of lease arrangement is where the freehold title is owned by the leaseholders. In this situation the tenants benefit from being in charge if their destiny and notwithstanding that a managing agent is often employed if the building is bigger than a house conversion, the managing agent acts for the leaseholders themselves.

Is there a reason that East and West Horsley conveyancing charges are more expensive for leasehold and freehold properties?

Leasehold conveyancing in East and West Horsley can involve additional due diligence such as reviewing the lease, liaising with the landlord, obtaining up to date rent receipts, landlord’s consents, management company’s accounts amongst other tasks.